HMDA Dataset Info

<class 'pandas.core.frame.DataFrame'>
Index: 3533892 entries, 0 to 4456613
Data columns (total 19 columns):
 #   Column                            Dtype  
---  ------                            -----  
 0   race                              object 
 1   sex                               object 
 2   co_applicant                      object 
 3   age                               object 
 4   income                            float64
 5   loan_amount                       int64  
 6   property_value_ratio              float64
 7   mortgage_term                     object 
 8   debt_to_income_ratio              object 
 9   combined_loan_to_value_ratio      float64
 10  tract_to_metro_income_percentage  object 
 11  white_population_pct              float64
 12  metro_name                        object 
 13  metro_code                        object 
 14  metro_size_percentile             object 
 15  state_code                        object 
 16  county_code                       object 
 17  census_tract                      object 
 18  loan_outcome                      object 
dtypes: float64(4), int64(1), object(14)
memory usage: 539.2+ MB
None

	race	sex	co_applicant	age	income	loan_amount	property_value_ratio	mortgage_term	credit_model	debt_to_income_ratio	combined_loan_to_value_ratio	main_underwriter	tract_to_metro_income_percentage	lender_type	lender_size	white_population_pct	metro_name	metro_code	metro_size_percentile	state_code	county_code	census_tract	loan_outcome	lender_id	fips
4426539	White	Female	No co-applicant	Less than 25	53.0	175000	1.310	30 year mortgage	Equifax	Unmanageable (43-49%)	99.910	Technology Open to Approved Lenders	Middle (80-120%)	Banks	109832	79.233776	Owensboro, KY	36980	10th percentile	21	059	21059001701	Loan originated (approved)	QFROUN1UWUYU0DVIWD51	21059
304219	Asian	Male	Co-applicant	55 through 64	166.0	435000	3.085	Less than 30 years	Equifax	Manageable (36-42%)	55.794	Desktop Underwriter	Middle (80-120%)	Independent Mortgage Companies	22169	74.334303	Camden, NJ	15804	80th percentile	34	005	34005700800	Loan originated (approved)	549300KBWX4NV5Q1E376	34005
2484276	White	Male	Co-applicant	35 through 44	124.0	65000	2.248	30 year mortgage	More than one	Healthy (<36%)	12.264	Desktop Underwriter	Upper (>120%)	Independent Mortgage Companies	4626	85.838533	Charlotte-Concord-Gastonia, NC-SC	16740	90th percentile	37	119	37119005833	Loan originated (approved)	549300E8HNQO52YYHI82	37119

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Mortgage outcomes in HMDA data

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Applicant Characteristics

co_applicant
No co-applicant    1966616
Co-applicant       1558662
NA                    8614
Name: count, dtype: int64

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What leads to loan denials?

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Are disparities focused in any geographic areas?

Denial rates in the Chicago metropolitan area:

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